BNPL Bank
statement analyzer
BNPL Bank statementanalyzer
Understand Buy Now Pay Later charges on your bank statement — Klarna, Afterpay, Affirm, and more. Analyze with AI.
How it works
Two simple steps to analyze your statement
Download your bank statement
Get your PDF from your bank's website or mobile app. We show you how below.
Get AI spending breakdown
Upload your PDF — AI identifies all BNPL repayments and categorizes them separately from regular purchases.
1.Download your bank statement
Get your PDF from your bank's website or mobile app. We show you how below.
2.Get AI spending breakdown
Upload your PDF — AI identifies all BNPL repayments and categorizes them separately from regular purchases.
Pricing
Simple, transparent pricing
- 3 PDF pages / month
- AI transaction categorization
- Sankey money-flow chart
- AI insights & savings tips
- Financial health score
- Spending calendar
- CSV export
- 500 PDF pages / month
- Everything in Free, plus:
- Multi-month trends dashboard
- Subscription detector
- AI savings opportunities
- 6 export formats (CSV, Excel, QIF, OFX, QBO, IIF)
- Chat AI financial advisor
- Receipts & invoices extractor
- Table-to-Excel extractor
- File format converter
- 12 months history
- Unlimited PDF pages
- Everything in Basic, plus:
- Redact sensitive info from statements
- Translate statements (30+ languages)
- Fake statement detector
- Fraud & authenticity scoring
- Priority processing
- Priority support
About BNPL charges
Understanding BNPL on your bank statement
How BNPL appears on your bank statement
Buy Now Pay Later repayments appear as regular debits on your bank statement — not the original purchase amount, but the installment amount. Common descriptors include: KLARNA or KLARNA PAYMENT, AFTERPAY or CLEARPAY, AFFIRM INC, ZIP or ZIPMONEY, and LAYBUY. Each represents a scheduled installment, not a one-time charge.
Why BNPL is hard to track on statements
BNPL creates a unique tracking problem: a single £120 purchase from ASOS paid via Klarna's Pay in 3 becomes three separate £40 debits spread over 6 weeks. Without grouping them back together, you lose sight of the true cost. Multiple BNPL providers running simultaneously can add up to 20+ installment debits per month, making it almost impossible to understand total BNPL exposure by just reading a bank statement.
BNPL interest charges on statements
Most BNPL "Pay in 3" or "Pay in 4" products are interest-free if paid on time. However, Klarna's financing product, Affirm monthly plans, and some Zip products charge interest. These appear as separate line items — often labeled as KLARNA INTEREST or included in the installment amount. Late fees also appear separately on your statement.
BNPL vs. credit card on your bank statement
With a credit card, your bank statement shows one monthly payment to Visa or Mastercard — the underlying purchases are on your credit card statement, not your bank statement. With BNPL, every individual repayment appears directly on your bank statement as a debit, creating multiple smaller transactions over time. This is why BNPL users often feel their accounts are more "busy" than credit card users.
Analyzing your total BNPL debt load
Our AI reads your bank statement PDF and groups all BNPL repayments — across every provider — into a single Buy Now Pay Later category. You can immediately see how much you're repaying to BNPL providers each month, which months have the heaviest installment load, and how BNPL compares to other spending categories. Export to CSV or Excel for full transaction-level detail.
FAQ